Any form of investment will have advantages and disadvantages. Generally speaking, with property you may benefit from receiving an ongoing rental income, capital growth and tax deductions on the investment, but you may also be exposed to high setup costs, a lag time selling the investment property if the market is slow to respond and difficulty leasing the property if the rental market is weak.
Shares may be able to provide you with an income, capital growth and tax deductions on the interest. However, there are also high setup costs, market volatility and a long investment timeframe to consider.

Before committing to a preferred method of investment, you should work through a few initial questions:

  1. Why do you want to invest? What is the goal you are trying to achieve and do you need to invest to get you there?
  2. How will an investment impact your lifestyle now and in to the future?

Asking the right questions is a great way to work out whether you need help with your financial planning goal. If you would like to find out more about how we can help you, book an initial meeting with us and let’s start the conversation.

No. Financial planning is more than just investing large amounts of cash. We can help you implement a budget (or what we refer to as a spending plan), provide tips for reducing your debt, suggest ways you can grow your superannuation and look at options for protecting your wealth through personal insurance plans. Implementing small changes can make a positive difference over time.

Good financial advice is beneficial at any stage of your life. However, the sooner you seek professional advice and put a plan in place, the longer timeframe you have to grow and protect your wealth. We often find that the longer the timeframe, the smoother the journey.

The first meeting is complimentary. This is an opportunity to get to know each other and see what areas we can assist you with and to make sure you feel comfortable with us.

We believe in setting realistic expectations. We provide a fee schedule during our initial meeting so you know what the cost of our services are, which can help you to decide if you want to proceed.

You do the talking and the adviser does the listening. The whole idea is to find out how we can help you. The first meeting is all about finding out what’s important to you and where you’d like to go.

Your adviser will help you to identify what’s most important in your life so that they can start to plan to get you there. They’ll also explain what the process will be, how long it will take and what information will be needed so you can decide if you’d like to go ahead.

Financial advice, financial planning, investment planning or wealth management? Whatever you call, it, at its heart, good financial advice is all about making the most of life – helping you to decide what you want to achieve and setting the financial strategies to help you do it.

Everyone has different goals in life, but for most of us, finances play an important role in reaching them. That’s where we can help. Your adviser will guide you by:

  • helping you identify your personal goals, such as an early retirement, travelling or building funds for your children’s education
  • developing strategies for saving, investing to meet your goals, and contingency plans to help protect you against life’s hazards along the way
  • help keeping you on track by regularly reviewing your direction and making adjustments as required.